Inkqubo yeeNgcebiso kuTyala eMzantsi Afrika | Isikhokelo soMzantsi Afrika
Isoftware yokucebisa yonke into yamatyala kwiifemu zaseMzantsi Afrika ukuze zihlalutye iingxelo zamaziko, zigcine iirekhodi ezithobela i-NCR, kunye nokuphucula ukungaguquguquki kwezigqibo.
Iifemu zaseMzantsi Afrika zokucebisa amatyala zithembele kakhulu kwiingxelo zamatyala ukuvavanya iimeko zabaxumi kunye nokwenza izigqibo ezithobelayo. Nangona kunjalo uninzi lwedatha lufika njengeePDF ezingatshintshiyo, lwenza uhlalutyo lucothe, lunempazamo, kwaye kunzima ukuthethelela ngexesha lophicotho. Njengoko i-caseloads ikhula kunye nokulindela okulindelweyo kunyuka, iinkqubo zezandla azisekho.
Iifemu ezikhe zalawula amatyala ambalwa zinokuzifumana zintywila emaphepheni xa umthamo ukhula. I-National Credit Regulator (NCR) ilindele amaxwebhu acacileyo endlela izigqibo ekufikelelwe kuzo, kwaye abaxumi bafanele ukufumana iingcebiso ezingaguquguqukiyo, ezithethelelayo. Ngaphandle kwezixhobo ezifanelekileyo, abacebisi ngamatyala bachitha ixesha elininzi bejijisana namaxwebhu kunokunceda abantu. Eli nqaku licacisa ukuba kutheni isoftware ezinikeleyo yokucebisa ngetyala eyakhelweyo kwidatha yetyala loMzantsi Afrika ibalulekile-kwaye yintoni omawuyijonge xa ulungele ukuhamba ngaphaya kweePDF kunye nespreadsheets.
Eyona Ngxaki ngeeNgxelo zeTyala zePDF
Amaziko okuthenga ngetyala afana ne-Experian kunye neDatanamix yimithombo ebalulekileyo yenyaniso yokucetyiswa ngamatyala. Idatha ababonelela ngayo ithembekile; ingxaki kukuhanjiswa. Iingxelo zidla ngokufika njengeePDF—amaxwebhu angamiselwanga enzelwe ukufundwa kwabantu, hayi uhlalutyo olucwangcisiweyo. Ngalo lonke ixesha umcebisi evula ifayile, kufuneka baskene iitafile ngesandla, batolike iikhowudi, kwaye badibanise ngengqondo iprofayile yomthengi. Loo nkqubo iyacotha, kwaye ayiphucuki xa i-caseloads ikhula.
Ngenxa yokuba ulwazi lutshixiwe ngaphakathi kwiiPDF, akukho ndlela ilula yokuthelekisa ingxelo enye kwenye okanye ukulandelela indlela isikhundla somthengi esitshintshe ngayo ekuhambeni kwexesha. Umcebisi usenokufumana uhlaziyonika ingxelo emva kweenyanga kwaye akukho ndlela icwangcisiweyo yokubona ukuba yintoni ephucukileyo okanye eyonakeleyo. Umxholo wezembali uhlala kwinkumbulo kuphela okanye kumanqaku abhaliweyo, hayi kwifomathi exhasa ukwenziwa kwezigqibo okungaguqukiyo okanye uphononongo lophicotho.
Ngokombono wokuthotyelwa, ukuhamba komsebenzi okusekwe kwiPDF kubuthathaka. Xa i-NCR okanye umphicothi-zincwadi wangaphakathi ebuza ukuba kufikelelwe njani kwisindululo esithile, impendulo ihlala ixhomekeke ekwakhiweni ngokutsha kwamanyathelo asuka kwiingxelo ezishicilelweyo kunye namanqaku ethutyana. Kunqabile ukuba kubekho irekhodi ecacileyo, enestampu sexesha yokuba yeyiphi idatha esetyenzisiweyo, zeziphi izibalo eziye zasetyenziswa, okanye ukuba isiphumo sabhalwa njani na. Ukungangqinelani phakathi kwamatyala kuya kwenzeka ngakumbi xa umcebisi ngamnye etolika iiPDF ezifanayo ngokwahlukileyo.
I-bottleneck ayingomgangatho wedatha ye-bureau; luyilo. Kwaneyona mithombo ithembekileyo iba sisithintelo xa imveliso ingenako ukucwangciswa ngokulula, kuthelekiswe, okanye kulandelelwe umkhondo. Isoftware yeengcebiso kumatyala ejongene nale ngxaki ayithathi ndawo i-bureau-yenza i-database ye-bureau isebenziseke kwisikali kunye nobungqongqo obufunwa yinkqubo yanamhlanje.
Kutheni i-Excel kunye nezixhobo zeGeneric zingalinganisi
Iifemu ezininzi zokucebisa amatyala ziqala nge-Excel okanye i-spreadsheets ezifanayo ukuququzelela idatha yabathengi kunye nokubala. Kwinani elincinci lamatyala, oko kunokusebenza. Kodwa njengoko umkhuba ukhula, iispredishithi zityhila imida enzulu. Idatha ikhutshelwa kwiiPDF ukuya kwiiseli, iphinde ifakwe isitshixo xa iingxelo zihlaziywa, kwaye ziphindaphindwe kwiifayile ezininzi. Akukho mthombo mnye wenyaniso: “uluhlu lwabathengi” lomcebisi omnye unokungangqinelani nolomnye, kwaye ulawulo loguqulelo luxhomekeke kumagama eefayile kunye nencwadana.ingqeqesho.
Ukunikezelwa phakathi kwamalungu eqela kuba yingozi. Xa umntu ehamba okanye ehamba ekhefini, iifayile zabo ze-Excel zisenokungaphelelanga, zibizwe ngokungangqinelaniyo, okanye zigcinwe kwiindawo ezahlukeneyo. Abasebenzi abatsha kufuneka babuyisele umva-injineli ukuba amanani afunyenwe njani kwaye yeyiphi ingxelo esetyenzisiweyo. Ukulandeleka kubuthathaka kanye xa kubaluleke kakhulu-ngexesha lophicotho-zincwadi okanye isikhalazo somthengi.
Ngomthamo othile, i-Excel ayisiyongxaki nje; yingozi. Iimpazamo zefomula zinokusasazeka kwimiqolo. Idatha yomxhasi obuthathaka ihlala kwiifayile ezithunyelwe nge-imeyile okanye ezigcinwe kwiidrive ekwabelwana ngazo ngaphandle kolawulo lofikelelo kunye neendlela zophicotho ezilindelwe ziimeko ezingqongileyo. Iindlela zokuziqhelanisa ne-spreadsheets kodwa ziqhubeke zizisebenzisa zihlala zifumanisa ukuba iindleko zokulungisa iimpazamo kunye nokuphendula kwizicelo zokuthotyelwa zigqwesa iindleko zokwamkela isoftware efanelekileyo.
Izixhobo zeGeneric azizange ziyilelwe ukuhamba komsebenzi kweengcebiso zamatyala. Abazi malunga ne-Experian okanye i-Datanamix ingxelo yezakhiwo, iimfuno zamaxwebhu e-NCR, okanye imfuno yokudibanisa izigqibo emva kwedatha ethile yekhredithi. Isoftware yeengcebiso zamatyala ezakhiwe ngenjongo igcwalisa eso sikhewu ngokuphatha iingxelo zetyala kunye nezigqibo zetyala njengezinto zodidi lokuqala, hayi njengesicatshulwa kwiiseli.
Yintoni ekufuneka yenziwe yiSoftware yale mihla yokucebisa ngetyala
Isoftware yanamhlanje yokucebisa amatyala kufuneka ijike imveliso yeofisi ekrwada ibe yi-asethi elungelelanisiweyo, esele ilungile. Imfuno yokuqala kukuhlengahlengiswa ngokuzenzekelayo kwedatha yengxelo yetyala: endaweni yokuba abacebisi bachwetheze kwakhona okanye bakhuphele kwiiPDF, inkqubo kufuneka ingenise kwaye icazulule umxholo wengxelo ukuze iiakhawunti, iibhalansi, imbali yentlawulo, kunye neeflegi.iyafumaneka njengemihlaba enokukhangelwa, enokuthelekiseka. Oko kunokuthetha ukudibanisa kunye ne-Experian, iDatanamix, iTransUnion, okanye abanye ababoneleli-okanye ukuhamba okucacileyo komsebenzi wokulayisha kunye nokwahlulahlula iingxelo ukwenzela ukuba idatha iqheleke kwindawo enye.
I-interface kufuneka ixhase ukuthathwa kwezigqibo, kungekhona nje ukugcina. Abacebisi badinga umbono ocacileyo, ofundekayo wesikhundla somthengi ngamnye: into abatyala yona, kubani, kunye nendlela iprofayile yabo etshintshe ngayo ekuhambeni kwexesha. Isoftware kufuneka igcine ingxelo yokuqala ukuze ithotyelwe ngelixa inikezela ngezishwankathelo, iintsingiselo, kunye nezilumkiso ezinceda ukubeka phambili amatyala kunye nokuxhasa iingcebiso. Xa umcebisi ecebisa uhlengahlengiso okanye umyalelo othile wokuhlawula, eso sigqibo sifanele sidityaniswe nedatha esisiseko kunye nesitampu sexesha.
Ngokuhamba kwexesha, inkqubo kufuneka ilandele utshintsho kunye nezigqibo. Uhambe njani umlinganiselo wetyala-kwingeniso phakathi kovavanyo? Ziziphi iingxelo eziqukiweyo kwesi sindululo, yaye ngoba? Olu hlobo lwembali luxabiseke kakhulu kuqinisekiso lomgangatho wangaphakathi kunye nokubonisa indlela yokusebenza ngexesha lophononongo lwe-NCR. Ezona zixhobo zingcono zikwaxhasa iiparameters ezithe ngqo: imithetho yamanqaku yangaphakathi, iithresholds, okanye uluhlu lokutshekisha olubonisa imigangatho yokuziqhelanisa kunye nomdla wokutya umngcipheko.
Ngamafutshane, isoftware kufuneka yenze idatha yekhredithi isebenze. Kufuneka kuncitshiswe ixesha elichithwe ekungeneni kwedatha ngesandla kunye nokutolikwa, ukunciphisa iimpazamo ekukopishweni phakathi kwamaxwebhu, kunye nokudala isiseko sokwenza isigqibo esingaguqukiyo, esiphicothiweyo kulo lonke ityala.
Yakhelwe ukuThobela nokuLungela uPhicotho-zincwadi
Ukucetyiswa ngamatyala ngumsebenzi olawulwayo. I-NCR ilindele ukuba iifemubabhale indlela abavavanya ngayo abathengi kwaye bafikelele kwiingcebiso. Isoftware eyakhelweyo ngokuthobela engqondweni igcina umkhondo wophicotho olupheleleyo: ngubani ojongileyo okanye osebenzise ingxelo, nini; zeziphi izibalo okanye amanqaku asetyenzisiweyo; kunye nendlela isigqibo sokugqibela esibhalwe ngayo. Lo mkhondo kufuneka ubonakale uphazamisekile kwaye uthengiselwe ngaphandle, ukuze uboniswe ngexesha lokuphonononga ngaphandle kokukrazula ngee-imeyile kunye neefayile ezilahlekileyo.
Amaxwebhu ahambelanayo yenye inzuzo. Xa yonke imeko iqhutywe ngendlela efanayo, izigqibo zibhalwa ngendlela efanayo. Abaphicothi-zincwadi kunye ne-NCR babona indlela ephindaphindwayo, hayi i-patchwork yamanqaku e-ad hoc. Oko akuthethi ukuba kususwe isigwebo sobungcali-ithetha ukuqinisekisa ukuba isigwebo sisetyenziswa ngaphakathi kwesakhelo esicacileyo kwaye ukucinga kuyabonakala.
Isoftware enoxanduva ayithathi ndawo i-bureau okanye idlule idatha yayo. Isebenzisa idatha ye-bureau ngaphakathi kwendawo elawulwayo: iingxelo zokuqala zigcinwa, utshintsho lufakwe, kwaye ikhonkco phakathi kwedatha yomthombo kunye nesiphumo sicacile. Loo ndlela inciphisa umngcipheko wokusebenza kunye nomthetho kwaye inceda izenzo ezibonisa ukuba zithatha ukuthotyelwa ngokubalulekileyo. Kwiifemu ezilungiselela ukukhula okanye ukunyuka kokuphononongwa kokulawula, iinkqubo ezilungele uphicotho-zincwadi azikhethi-ziyinxalenye yemisebenzi yobungcali.
Imeko yokusetyenziswa eqhelekileyo
Qwalasela inkampani yokucebisa amatyala elawula amashumi okanye amakhulu amatyala asebenzayo. Umxhasi ngamnye unokuba neengxelo ezininzi zekhredithi kubomi betyala-uvavanyo lokuqala, ukuhlaziywa ngexesha lenkqubo, kunye nokuhlolwa kokugqibela ngaphambi kokukhutshwa. Inkampani kufuneka ithelekise kwaye itolike ezi ngxelo,thethelela iingcebiso kubaxumi kunye nabatyalwayo, kwaye uqinisekise ukuba yonke ifayile iyahambelana kwaye iphelele. Ukwenza oku ngeePDF kunye neespredishithi kuthetha ukuba abacebisi bachitha iiyure ekungeneni kwedatha, ukutshekisha, kunye nokukhangela inguqulelo elungileyo yenyaniso.
Ngokubeka embindini kunye nokwakhiwa kwedatha yetyala kwisoftware ezinikeleyo, ifemu efanayo inokonga ixesha kwimisebenzi ephindaphindwayo, inciphise iimpazamo ukusuka ekubhalweni kwakhona ngesandla, kwaye iphucule umgangatho wesigqibo kuba umfanekiso opheleleyo ubonakala kwindawo enye. Amalungu eqela amatsha anokufakwa kwisistim enye ene-workflows ecacileyo, kwaye ukunikezelwa akusaxhomekeke ekucaciseni ispredishithi somnye umntu. Xa i-NCR okanye umphicothi-zincwadi ecela ubungqina, ifemu inokuvelisa umkhondo wophicotho-zincwadi ohambelanayo endaweni yokuwuhlanganisa kumaxwebhu athe saa.
Isiphumo sisenzo esilinganisa ngokuzithemba: amatyala amaninzi aphathwayo ngaphandle kokunyuka ngokulinganayo kumthwalo wolawulo, kunye nezigqibo ezihambelanayo kunye nezikhuselekayo. Leyo yintlawulo ebonakalayo yesoftware yokucebisa amatyala eyenzelwe iingcali zamatyala zaseMzantsi Afrika.
Ngubani le software
Olu hlobo lwesoftware lujolise kubacebisi bamatyala abanelayisensi kunye neefemu ezicwangcisiweyo ezinomthwalo okhulayo. Yenzelwe izenzo ezifuna ukwenza izigqibo ngobungcali-apho ukuhambelana, ukubhalwa kwamaxwebhu kunye nokucaca zizinto eziphambili. Ikwakwamaqela abona uphononongo lothotyelo lusanda kwaye lufuna ukulungela: hayi ngokongeza iitshekhi ezenziwe ngesandla, kodwa ngokubethelela ukuphicothwa komsebenzi wemihla ngemihla.
Ukuba i-firm yakho isaxhomekeke kwiingxelo zetyala le-PDF kunye ne-spreadsheets, kwaye uyazivaUxinzelelo njengoko umthamo okanye ulindelo lolawulo lunyuka, ungabaphulaphuli kanye. Injongo ayiyikuthatha indawo yobuchwephesha ngeteknoloji, kodwa ukunika abacebisi bamatyala izixhobo abazidingayo ukuze basebenze ngokukhawuleza, ngokuchanekileyo, kunye nobungqina bobungqina obulindelwe yi-NCR kunye nabathengi.
Yibone Isebenza
Dibana no ukubhukisha idemo kwaye ubone ukuba ucazululo lwengxelo yetyala olucwangcisiweyo lunokuguqula njani ukuhamba komsebenzi wakho wokucetyiswa ngamatyala. Siza kukubonisa indlela idatha ye-bureau esuka kwi-Experian, i-Datanamix, kunye ne-TransUnion enokuthi ibekwe phakathi, ihlalutywe, kwaye ibhalwe kwindawo enye yokusebenza-ukuze uchithe ixesha elincinci kumaphepha kunye nexesha elingakumbi lokunceda abathengi.